Many private health insurance policies cover addiction treatment – either partially or fully. Here’s how we can help you navigate it.
Which insurers cover treatment?
Most major UK health insurers provide some level of cover for addiction treatment, including:
- Bupa, AXA Health, Aviva, Vitality, WPA, Cigna, and Allianz
- Cover typically includes residential treatment, outpatient therapy, and medical detox
- Some policies have a dedicated mental health/addiction allowance
What’s usually covered
- Medical detox (inpatient or at-home)
- Residential rehabilitation (typically 28 days, sometimes extendable)
- Psychiatric assessment and dual-diagnosis treatment
- Outpatient counselling and aftercare
What’s often NOT covered
- Some policies exclude “self-inflicted” conditions (though this is increasingly challenged)
- There may be excess payments or co-pay requirements
- Pre-existing condition clauses may apply if declared at policy inception
How we help with insurance
- We’ll check your policy details and confirm what’s covered — free of charge.
- We liaise directly with your insurer to get pre-authorisation for treatment.
- We match you with insurance-approved clinics that meet your clinical needs.
- We handle the admin so you can focus on getting well.
What happens next
Have your insurance policy number ready. A member of our team will contact you to begin the verification process.
Everything you’ve shared is completely confidential. Our advice line is free and staffed by trained professionals.
